Enter the amount you want to send to estimate and compare the cost of common ways to send money from Japan to a US bank account.
Japan → US Money Transfer Fee Calculator
Estimate and compare costs for sending money from Japan to a US bank account
* The bank wire figure uses MUFG’s officially published fee schedule (disclosed fees only — excludes the bank’s FX margin). The Wise, SBI Shinsei Bank, and Revolut figures use total-cost percentages (fees + FX margin) from Wise’s own 2026 Japan price-comparison research on a ¥90,000 JPY→USD transfer, applied proportionally — actual percentages can shift at different amount tiers since some providers’ costs are more fixed-fee-heavy. Always confirm the current rate in the provider’s app before sending.
How to Use
- Enter the amount you plan to send, in yen.
- Click Calculate to compare a major bank wire, SBI Shinsei Bank/SBI Remit, Wise, and Revolut, with the cheapest option highlighted.
Where these numbers come from
The bank wire estimate follows MUFG’s officially published fee schedule: a ¥2,500 remittance fee, an exchange handling fee of 0.050% of the amount (minimum ¥2,500), and a ¥3,000 intermediary bank charge when the sender covers costs — this covers disclosed fees only, not the bank’s exchange rate margin.
The Wise, SBI Shinsei Bank, and Revolut figures are based on Wise’s own 2026 Japan price-comparison research, which tested a ¥90,000 JPY→USD transfer across providers and measured the total cost (fee plus exchange rate markup): Wise ¥915 (≈1.02%), SBI Shinsei Bank ¥1,825 (≈2.03%), and Revolut ¥322 (≈0.36%). This calculator applies those percentages proportionally to your amount.
Because some providers charge more in fixed fees and less in percentage (and vice versa), the ratio between providers can shift for very small or very large transfers — these figures are most representative in the ¥100,000–¥1,000,000 range.
Frequently Asked Questions
Q. Why does the bank figure exclude the exchange rate margin?
A. MUFG’s published fee schedule discloses the remittance and handling fees but doesn’t publish its exchange rate margin, which is baked into the exchange rate itself rather than shown as a line-item fee — so the bank figure understates the true total cost relative to the other three, which do include their margins.
Q. Is Wise always the cheapest?
A. In the comparison research this calculator draws on, Wise was cheaper than the major banks tested but more expensive than Revolut, so it wasn’t the single cheapest option in every case.
Q. Do these percentages hold for any amount?
A. Not exactly. Some providers lean more on fixed fees and less on percentage-based costs, so the ratio between providers can shift for amounts well outside the ¥90,000 test transfer this data is based on — treat this as a starting point, not a precise quote.
Key Takeaways
- Bank wire figure uses MUFG’s official fee schedule (disclosed fees only, not FX margin).
- Wise, SBI Shinsei Bank, and Revolut figures use total-cost percentages from Wise’s own 2026 comparison research.
- Always check the provider’s app for the current rate before sending, especially for amounts far from ¥90,000.
As the numbers above show, the real cost hides in the exchange rate. The gap between a provider’s rate and the actual market rate — the spread — is what you actually pay.
Wise uses the mid-market rate you see on Google and shows its fee separately, so there is no spread to work out on your own.
Check the real cost for your amount →
If you live in Japan, sign up for a Japanese account — that is what lets you send from your local bank.
New to Wise? Start with how to sign up in Japan — the ID you need, how long verification takes, and the mistake that gets most applications rejected.
This is an affiliate link. If you sign up as a new user and complete a first transfer, TheFinExpat receives a commission at no extra cost to you. Our comparisons stay the same either way.